Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$58.2B

Aug13Thu

Pre-Earnings Brief

UpcomingQ4-2025After Close5:00 PM EDT

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share (EPS) is a key indicator of profitability and will show how well the company is managing its costs and generating income.

0.21

Revenue

Revenue growth is crucial as it reflects the company's ability to attract and retain customers in a competitive market.

5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q4-2025 Earnings Preview

Context

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector. With a market cap of $58 billion, it focuses on providing digital banking solutions, primarily in Latin America, catering to a growing consumer base looking for accessible financial services.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In Q3-2025, Nu Holdings reported an EPS of $0.16, slightly beating estimates. However, the stock fell 3.65% the following day, indicating market caution despite the positive surprise.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are expecting Nu Holdings to report an EPS of $0.21 and revenue of $5.1 billion for Q4-2025. The market is closely watching these figures to gauge the company's growth trajectory.

Bull Case

If Nu can exceed EPS estimates and show strong revenue growth, it could signal robust customer demand and operational efficiency, potentially driving the stock higher.

Bear Case

Conversely, if the company misses on earnings or revenue, it could raise concerns about its market position and growth prospects, leading to a negative reaction in the stock.

Key Metrics to Watch

EPS

0.21

Earnings per share (EPS) is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

5.1B

Revenue growth is crucial as it reflects the company's ability to attract and retain customers in a competitive market.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu achieve an EPS of $0.21 or better?

This figure is crucial as it will indicate the company's profitability and operational efficiency, directly impacting investor sentiment.

What does management say about revenue growth trends?

Understanding revenue growth will provide insights into customer acquisition and retention, which are vital for future performance.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Nu's ability to leverage its digital banking platform for rapid growth, particularly in emerging markets.

Supporting Evidence

Historical trends show Nu has a 63% EPS beat rate, suggesting potential for positive surprises.

The options market is pricing a larger move than historical averages, indicating heightened volatility that may not align with consensus expectations.

Key Risk

If revenue growth exceeds $5.2 billion, it could challenge the bearish sentiment and indicate stronger market positioning.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Nu can maintain its growth trajectory in a competitive financial landscape, making these thresholds critical.

Bull Confirmed If

An EPS of $0.21 or better, coupled with revenue exceeding $5.1 billion, would confirm strong operational performance.

Bear Confirmed If

An EPS below $0.20 or revenue falling short of $4.9 billion would raise significant concerns about growth.

Pre-Earnings Positioning

Options Market

Implied Move

±3.98%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a nearly 4% move in either direction, indicating uncertainty ahead of the earnings report.

Options are pricing ±4.0% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

34.9%

Calls (3.2M)P/C Ratio: 0.68Puts (551K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the first day, indicating cautious optimism.

In-Line / Cautious

If results are in line with expectations, the stock may react neutrally, reflecting uncertainty in management's outlook.

Miss

Should the company miss estimates, history indicates a potential increase of around 0.31% on the first day, suggesting some resilience despite disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and retention strategies.
2Insights into competitive pressures in the digital banking space.
3Management's outlook on economic conditions affecting consumer spending.
4Details on any new product offerings or technological advancements.
5Comments on operational efficiencies and cost management initiatives.

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Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share (EPS) is a key indicator of profitability and will show how well the company is managing its costs and generating income.

0.21

Revenue

Revenue growth is crucial as it reflects the company's ability to attract and retain customers in a competitive market.

5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q4-2025 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In Q3-2025, Nu Holdings reported an EPS of $0.16, slightly beating estimates. However, the stock fell 3.65% the following day, indicating market caution despite the positive surprise.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are expecting Nu Holdings to report an EPS of $0.21 and revenue of $5.1 billion for Q4-2025. The market is closely watching these figures to gauge the company's growth trajectory.

Bull Case

If Nu can exceed EPS estimates and show strong revenue growth, it could signal robust customer demand and operational efficiency, potentially driving the stock higher.

Bear Case

Conversely, if the company misses on earnings or revenue, it could raise concerns about its market position and growth prospects, leading to a negative reaction in the stock.

Key Metrics to Watch

EPS

0.21

Earnings per share (EPS) is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

5.1B

Revenue growth is crucial as it reflects the company's ability to attract and retain customers in a competitive market.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu achieve an EPS of $0.21 or better?

This figure is crucial as it will indicate the company's profitability and operational efficiency, directly impacting investor sentiment.

What does management say about revenue growth trends?

Understanding revenue growth will provide insights into customer acquisition and retention, which are vital for future performance.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Nu's ability to leverage its digital banking platform for rapid growth, particularly in emerging markets.

Supporting Evidence

Historical trends show Nu has a 63% EPS beat rate, suggesting potential for positive surprises.

The options market is pricing a larger move than historical averages, indicating heightened volatility that may not align with consensus expectations.

Key Risk

If revenue growth exceeds $5.2 billion, it could challenge the bearish sentiment and indicate stronger market positioning.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Nu can maintain its growth trajectory in a competitive financial landscape, making these thresholds critical.

Bull Confirmed If

An EPS of $0.21 or better, coupled with revenue exceeding $5.1 billion, would confirm strong operational performance.

Bear Confirmed If

An EPS below $0.20 or revenue falling short of $4.9 billion would raise significant concerns about growth.

Pre-Earnings Positioning

Options Market

Implied Move

±3.98%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a nearly 4% move in either direction, indicating uncertainty ahead of the earnings report.

Options are pricing ±4.0% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

34.9%

Calls (3.2M)P/C Ratio: 0.68Puts (551K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the first day, indicating cautious optimism.

In-Line / Cautious

If results are in line with expectations, the stock may react neutrally, reflecting uncertainty in management's outlook.

Miss

Should the company miss estimates, history indicates a potential increase of around 0.31% on the first day, suggesting some resilience despite disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and retention strategies.
2Insights into competitive pressures in the digital banking space.
3Management's outlook on economic conditions affecting consumer spending.
4Details on any new product offerings or technological advancements.
5Comments on operational efficiencies and cost management initiatives.